Investments of $100 each are made in two projects. Project A is to yield a net return of $8, $10, or $12, with respective probabilities .2, .6, and .2. Project B is assumed to yield a net return of $8, $10, or $12, with respective probabilities .3, .4, and .3. The returns from the two projects are assumed to be independent. What is the probability that the total of the two returns is exactly $20? Round your answer to three decimal places.